Continental Investors Services Inc

Item 5 - Fees and Compensation
A - Fees for services will be based on the amount of assets you have
managed by the Advisor or a commission per transaction, but not both. You
will be provided an advisory agreement that will outline the investment
management services to be provided by Continental, as well as a
description of the fees charged. Your advisory fees will be deducted from
your account on a quarterly basis automatically by Continental or the
custodian of your account. The fee will be charged in arrears.

CIS 9/16/25                                        5

All fees or commissions charged by Continental for investment management services are
separate and distinct from the fees and expenses charged by mutual funds and exchange traded
funds (ETFs). In these cases, the fees and expenses are described in each fund's prospectus.
These fees will generally include a management fee, other fund expenses, and a possible
distribution fee. Accordingly, you should review both the fees charged by the funds/ETFs and the
fees charged by Continental to fully understand the total amount of fees to be paid. Additionally,
the investments selected for you are not exclusively available to Continental and could be
obtained through other firms. The fee for the effective period is determined by the total billable
assets, multiplied by the annual fee rate divided by the number of days in the current year, and
multiplied by the number of days in the effective period. Advisor shall not be compensated based
on performance of the account.

Fees to be charged are shown on the advisory agreement but the standard advisory fee rate for
non-ERISA accounts may vary depending on model and custodian of assets being managed. For
ERISA plans, the standard fee may be lower or higher depending on the requirements of the
client, number of participants, asset level of the plan, complexity of the plan, etc. Fees for
separately managed institutional (i.e., non-profit) accounts are negotiated, as these types of
services require more time to manage than ETF-based portfolio options. At no time will clients
pay a combined fee of more than 1.75%.

Asset Management Fees
   •   Schwab iRebal Portfolio: 1.1% to Advisor. Billed quarterly in arrears. No Charles Schwab
       platform fee.*
   •   Third-party management through Envestnet: 1% to Advisor and .75% maximum platform
       fee, depending on which third-party money manager is chosen. (Factors that contribute to
       variability in the Envestnet platform fee include trading frequency and account turnover
       rates in sub-account options). Envestnet platform fees are set by Envestnet and are not
       negotiable to Continental. Billed quarterly in arrears began 10/1/2024. If you choose
       Charles Schwab as your Third-Party Asset Management Provider (“TAMP") for ABP
       Accounts, you agree to pay Schwab a single periodic asset-based fee (“ABP Service Fee")
       for each account, based on the amount of certain assets in each of your ABP Accounts to
       which asset-based pricing (“ABP”) applies. The ABP Service Fee will be computed for
       each of your ABP Accounts for each monthly Billing Period and charged in arrears on a
       monthly basis. Currently .10% or $5/month minimum.
   •   Separately managed accounts: .75% to Advisor (to a maximum of 1.5%). Billed quarterly
       in arrears. No Charles Schwab platform fee.*
   •   Separately Managed Accounts (SMAs) – Bond Ladder portfolio: A commission is charged
       per transaction. The commission per transaction will generally reduce the yield to worst
       by 10-15 basis points. At no time will this be more than 1.5%. No additional management
       or advisory fees are charged. No Charles Schwab platform fee.*
   •   Zacks Investment Management, Inc. – SMA Accounts: 1.28% (1% to Advisor, 0.28%
       Zacks platform fee). Billed quarterly in arrears. No Charles Schwab platform fee.*

CIS 9/16/25                                     6

   •   Zacks Investment Management, Inc. – Pre-selected models: 1.18% (1% to Advisor, 0.18%
       Zacks platform fee). Billed quarterly in arrears. No Charles Schwab platform fee.*
   •   Discretionary advice to ERISA retirement plans held at The Standard: Negotiated

       *In the future, Charles Schwab may initiate a platform fee.

With respect to all managed accounts, the fee for the effective period is determined by the total
billable assets, multiplied by the annual fee rate divided by number of days in the current year,
and multiplied by the number of days in the effective period. Advisors of the firm involved in
insurance activities do not receive economic benefit from third-party insurance companies,
including incentives, marketing allowances, and other practical support or benefits from the sale
for insurance products and their sponsors.

B - We will deduct our fee directly from your account through the qualified custodian holding your
funds and securities. We will deduct our advisory fee only when you have given our firm written
authorization permitting the fees to be paid directly from your account. With an SMA Bond Ladder
portfolio, fees are not billed quarterly. Commissions are paid at time of transaction. The qualified
custodian will deliver an account statement to you at least quarterly. You should review all
statements for accuracy.

C - In addition to Continental’s advisory fees, you are also responsible for the transaction
charges, fees and other expenses charged and imposed by the firm who holds your assets
(Custodian). Client Accounts managed by Envestnet who choose Charles Schwab as their
Third-Party Asset Manager (TAMP) for an Asset Based Pricing (ABP) Account will pay Charles
Schwab a periodic ABP Service Fee. Schwab will charge ABP Service Fees generally in lieu of
transaction-based fees and commissions for most Schwab Brokerage services to your ABP
Accounts.
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Item 7 - Types of Clients
Most of Continental Advisors’ clients are individuals, small businesses, and
non-profits.